Traveling with your family can be a wonderful way to create memories, bond with your loved ones, and explore new places. But it can also come with some risks and uncertainties, such as unexpected illness, injury, flight cancellation, baggage loss, or other emergencies. That’s why it’s important to have a reliable travel insurance plan that can protect you and your family from the financial and emotional stress of these situations.
In this article, we will review the five best travel insurance plans for families in the USA for 2023, based on their coverage, benefits, price, and customer service. We will also explain what key coverages to look for in a family travel insurance plan, and what factors to consider when choosing one. By the end of this article, you will have a better idea of how to find the best travel insurance plan for your family’s needs and budget.
The Best Family Travel Insurance Plans for 2023
Here are our top picks for the best family travel insurance plans for 2023, in no particular order:
1. Allianz Travel Insurance
Allianz is a prominent travel insurance company with 35 million subscribers in 200 countries. Family plans vary from basic to deluxe, with variable restrictions and features. Allianz travel insurance offers coverage for trip cancellation, interruption, delay, missed connection, luggage loss, emergency medical and dental treatment, and transportation.
- Traveling with a parent or grandparent is free for children under 17.
- 24/7 worldwide concierge and help.
- TravelSmart app, which gives travelers tools and information.
- Add rental vehicle damage insurance or cancel for any reason.
2. Travelex Insurance Services
Travelex is another well-known travel insurance company that has been serving travelers since 1996. They offer four main plans for families: Travel Basic, Travel Select, Travel America, and Travel Max. Some of the benefits of Travelex travel insurance include:
- Coverage for trip cancellation, interruption, delay, baggage loss or delay, emergency medical and dental care, emergency evacuation and repatriation, accidental death and dismemberment, and more.
- Free coverage for children under 18 when traveling with an insured adult.
- Option to upgrade to primary coverage or add adventure sports coverage or cancel for any reason coverage.
- 24/7 travel assistance and concierge services.
- Access to the Travel On app, which provides real-time flight alerts and destination information.
3. Seven Corners
Seven Corners is a travel insurance provider that specializes in international travel and medical coverage. They have been in business since 1993 and have served millions of travelers around the world. They offer three main plans for families: RoundTrip Economy, RoundTrip Choice, and RoundTrip Elite. Some of the benefits of Seven Corners travel insurance include:
- Coverage for trip cancellation, interruption, delay, missed connection, baggage loss or delay, emergency medical and dental care, emergency evacuation and repatriation, accidental death and dismemberment, and more.
- Option to add rental car damage protection or cancel for any reason coverage.
- 24/7 multilingual customer service and travel assistance.
- Access to Seven Corners Assist app, which provides access to doctors and nurses via phone or video.
4. AIG Travel Guard
AIG Travel Guard is a travel insurance division of AIG, one of the largest insurance companies in the world. They have been providing travel protection since 1982 and have over 40 million customers worldwide. They offer three main plans for families: Essential Plan, Preferred Plan, and Deluxe Plan. Some of the benefits of AIG Travel Guard travel insurance include:
- Coverage for trip cancellation, interruption, delay, baggage loss or delay, emergency medical and dental care, emergency evacuation and repatriation, accidental death and dismemberment, and more.
- Option to add rental car damage protection, cancel for any reason coverage, or lodging expense benefit.
- 24/7 global assistance and concierge services.
- Access to Travel Guard Mobile app, which provides access to travel alerts and assistance services.
5. World Nomads
World Nomads is a travel insurance provider that caters to adventurous travelers who want to explore their boundaries. They have been in operation since 2002 and have partnered with reputable insurers around the world. They offer two main plans for families: Standard Plan and Explorer Plan. Some of the benefits of World Nomads travel insurance include:
- Coverage for trip cancellation, interruption, delay, baggage loss or damage, emergency medical and dental care, emergency evacuation and repatriation, accidental death and dismemberment, and more.
- Coverage for over 200 adventure activities and sports, including skiing, surfing, scuba diving, bungee jumping, and more.
- Option to buy or extend your policy online while traveling.
- 24/7 emergency assistance and support.
- Access to World Nomads Travel Safety Hub, which provides safety tips and advice for travelers.
Key Coverages to Look for in Family Travel Insurance
When choosing a travel insurance plan for your family, you should look for the following key coverages that can help you in case of unforeseen events:
- Trip cancellation insurance. This coverage can reimburse you for your pre-paid, non-refundable trip costs if you have to cancel your trip before departure due to a covered reason, such as illness, injury, death of a family member, severe weather, terrorism, or other unforeseen circumstances. This can help you avoid losing money on flights, hotels, tours, and other bookings that you have made in advance.
- Emergency medical coverage. This coverage can pay for the medical expenses that you or your family members incur if you get sick or injured while traveling. This can include hospital bills, doctor fees, ambulance costs, prescription drugs, and more. Depending on the plan, this coverage may also cover pre-existing medical conditions, dental emergencies, or COVID-19-related expenses. This can help you avoid paying out of pocket for expensive medical care abroad or in the U.S.
- Trip interruption insurance. This coverage can reimburse you for the unused portion of your trip and the additional transportation costs that you incur if you have to cut your trip short and return home early due to a covered reason, such as illness, injury, death of a family member, severe weather, terrorism, or other unforeseen circumstances. This can help you recover some of the money that you have spent on your trip and avoid paying extra for changing your flights or other arrangements.
- Baggage loss and personal effects coverage. This coverage can pay for the loss, theft, or damage of your baggage and personal belongings while traveling. This can include clothing, electronics, jewelry, cameras, and other items that you bring with you or buy on your trip. This can help you replace your essential items and avoid the hassle of dealing with airlines or other carriers that may lose or damage your luggage.
Factors to Consider When Choosing Family Travel Insurance
Besides the coverages mentioned above, there are some other factors that you should consider when choosing a travel insurance plan for your family, such as:
1. Destination and Activities
You should choose a plan that covers the countries or regions that you are traveling to, as well as the activities that you plan to do on your trip. Some plans may have exclusions or limitations for certain destinations or activities, such as high-risk countries, war zones, or extreme sports. You should read the policy wording carefully and make sure that your plan covers everything that you need.
2. Length of Trip
You should choose a plan that covers the duration of your trip, from the day you leave until the day you return. Some plans may have maximum trip lengths or restrictions on how many trips you can take in a year. You should also check if your plan allows you to extend your coverage while traveling, in case you decide to stay longer than planned.
3. Budget
You should choose a plan that fits your budget and offers the best value for money. Travel insurance plans vary in price depending on the level of coverage, the deductible amount, the age of the travelers, and other factors. You should compare different plans and quotes online and choose the one that meets your needs and expectations.
4. Customer Reviews and Ratings
You should choose a plan from a reputable and reliable travel insurance provider that has positive customer reviews and ratings. You should look for feedback from other travelers who have used the same plan or provider before and see how they rate their experience, service, and claims process. You should also check if the provider has any accreditations or awards from independent organizations or agencies.
